1. How much is Tesla’s rate of 3.2 equal to the annual interest rate?

Let’s take the Tesla model 2021 standard range rear-wheel drive version as an example. Its official guide price is 291,800. Choose If the down payment ratio is 20% and the loan term is 36 periods, the down payment is 58,400 yuan, the total loan amount is 233,400 yuan, the monthly payment is 6,969 yuan, the installment fee is 2,000 yuan, and the interest is 17,500 yuan. In addition to some necessary expenses such as registration fees, purchase taxes, vehicle and vessel taxes, fees, and commercial insurance fees, the total cost of purchasing the 2021 standard range rear-wheel drive version with a loan is 324,100 yuan, which is 19,500 yuan more than the full payment. .

1. Tesla’s official loan. The annual interest rates of Tesla’s official loan are 4% and 4.33%. When converted into actual annual interest rates, they are 7.56% and 8.04%. These interest rates are relatively comparable. High, it is not recommended to take this method of loan to buy a car.

2. Bank of Communications has a lot of credit card installment activities, and the discounts are also very cost-effective. For example, the interest rate for credit card installments after one year is 4.8%, and it is 5.04% for two years, and there is a 3% handling fee for early repayment. , but you can apply over the phone to waive part of the handling fee, but it will not be completely waived.

3. The e-installment rate of bank installment card currently requires 3% per year, and the actual interest rate is 5.88%-6%, and if the repayment is made early, a 3% penalty will be charged . When applying for e-installment of a bank installment card, you will be given a separate consumer debit card. You can only use the card to make purchases, but you cannot withdraw cash. You have to apply at the counter, which is also troublesome. There are currently three official cooperative loan methods for Tesla, namely financial loans from cooperative institutions, Tesla financial leasing, and leasing from cooperative financial institutions. Among them, the cooperative financial loans include China Merchants Bank, Ping An Bank and Bank of China. For other Tesla financial leasing and leasing from cooperative financial institutions, the loan requires a mortgage certificate, that is, the vehicle registration certificate. Before applying for a loan to buy a car, users can first consult and understand these three loan methods, and then choose the loan method that suits them based on their actual situation. Tesla Modely can be purchased with full payment or in installments with a loan. If you want to get a loan in installments, you can get a loan at a 4S store or go to a bank for a loan.

2. What are the conditions for Tesla’s five-year installment plan?

Tesla car purchase finance providers choose according to their actual situation. The down payment ratio ranges from 1 person to 30% down payment. The loan period can also be selected from 1 to 5 years.

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4. 2021 Tesla What are the latest installment plans that are cost-effective?

The 2021 Tesla model 3 not only has a greater cruising range, but also has black exterior decoration instead of chrome, standard wireless phone charging pad, power box cover, metal steering wheel control dial instead of plastic, and new window design Helps reduce outside noise. Tesla model 3 can be said to be an excellent choice for electric vehicles. For the purchase of Tesla Model 3, there are also the following loan options, which are briefly introduced below. 1. Tesla’s official loan

The annual interest rates of Tesla’s official loans are 4% and 4.33%, which translate into actual annual interest rates of 7.56% and 8.04%. These interest rates are relatively comparable. High, it is not recommended to take this method of loan to buy a car.

2. e-installment of bank installment card

The current one-year e-installment rate is 3%, and the actual interest rate is 5.88%-6%, and if the repayment is early, A 3% penalty is required. When applying for e-installment of a bank installment card, you will be given a separate consumer debit card. You can only use the card to make purchases, but you cannot withdraw cash. You have to apply at the counter, which is also troublesome.

3. Shanghai Bank’s Tesla loan

The annual interest rate is 3.24%, and the actual annual interest rate is 5.88%-6.12%, which is cheaper than official loans , but as to whether early repayment is possible, different bank staff gave different answers. Some said that early repayment can be done after one year; some said that early repayment can be done after 2 years; and It said that early repayment is possible after deducting 2 months' interest.

There are many tricks involved. Secondly, this loan method takes a long time to apply for and requires a physical card to be mailed, which is relatively troublesome.

4. Bank flash loan

The bank flash loan system will automatically approve the interest rate according to different people. The interest rate is generally between 5% and 12%, and there are 10% off coupons. It can be obtained. If the interest rate is 5.94%, then the discount is 5.346%. The longest loan period is 5 years, and you can repay early at any time.

5. Bank credit card installment

Bank of Communications has many activities, and the discounts are also very cost-effective. For example, the interest rate for credit card installment is 4.8% in one year and 5.04% in two years. There is a 3% handling fee for early repayment, but you can apply over the phone to waive part of the handling fee, but it will not be completely waived.